Expat Insurance

If you’re looking for expat insurance while working abroad, we have you covered.

Depending on where you are in the world, healthcare might be expensive, difficult to access or unavailable publicly. Having peace of mind that you’re protected allows you to get on with your work safely and fully enjoy your new life in your destination country.

If you’re looking for expat insurance, read on to discover how you can safeguard your health in such instances with Cigna Healthcare.

What is expat health insurance?

Expat insurance is a global cover that can protect you and your family wherever you go. It’s a perfect catch-all choice if you work abroad, whether that’s in a single destination for extended periods, or multiple nations.

Worldwide cover, like expat insurance, makes it easier to navigate and understand the different levels and availability of healthcare between countries. There’s no registering with the local healthcare system or navigating cross-border medical care – just sign up to our expat insurance and you’re done.

expat woman looking at the view on a terrace

What’s the difference between expat insurance and normal travel insurance?

Conventional travel insurance

Conventional travel insurance is usually suitable for short trips, like a business weekend or family holiday. This kind of cover offers immediate medical assistance, and then usually covers the costs associated with you returning to your home nation to continue treatment using your national health service.

Expat insurance

Expat insurance has a level of permanence in that you can continue using it as you remain living in your chosen country. With expat insurance, you’re covered for full access to your host nation’s medical services, with no need to return home unless you want to.

Is expat health insurance necessary?

Insurance for expats is not a legal requirement in most countries.

This doesn’t mean that it’s not hugely important. Using the local system without insurance could result in high charges. You can’t predict medical emergencies. Our medical coverage means you’ll be financially protected when it comes to healthcare charges.

This is especially useful for those living abroad with families, a family expat insurance plan will cover the whole household. It’s intimidating enough moving away from home, but with Cigna Healthcare – you’re free to enjoy life as an expat without worrying about healthcare costs.

The best countries for expat families

The benefits of expat insurance for working abroad

Worldwide expat insurance makes managing your healthcare on-the-go that much easier. If you live abroad or work in different nations for extended periods, give yourself peace of mind with a simple, one-stop health insurance plan that covers you wherever you go.

Other potential benefits include:

  • Navigating healthcare options between multiple locations becomes easier to manage.
  • Be sure you can receive the best possible local healthcare, if the worst does happen and you require support.
  • Know what you’re paying – different nations have different charges. With international expat health insurance, you know that you’re covered ahead of time.
group of expats talking and laughing together

Choosing your international health insurance

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Compare plans and find a flexible package to suit your needs.

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Why choose Cigna Healthcare for international expat health insurance?

  • You can select the right plan for the right location.
  • You'll get access to a multilingual service with 24/7 availability.
  • At Cigna Healthcare, we have a network of 1.65 million hospitals and medical specialists, with options in over 200 countries.
  • So, wherever you start your new life abroad, you can guarantee that your health and wellbeing is in good hands with medical protection from Cigna Healthcare.
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two expats talking in public area


The coverage provided by your insurance cover will depend on your policy and destination. Some policies are country or region specific, while Worldwide cover offers more comprehensive cover for continental regions or the globe.

Check your policy requirements before purchasing medical care through Cigna Healthcare to ensure it fits your needs.

Yes, you’ll need to let us know of any pre-existing medical conditions before applying for any insurance coverage. Pre-existing conditions include any disease, illness, injury or symptoms present before the start of the cover. The definition also includes conditions that you’ve sought medical care or advice for, or know about personally before the start of your medical coverage.

Costs differ depending on the level of cover you need and your medical history. Many factors can affect the overall price of your medical coverage, like the country or countries you’ll be visiting. Your age, residential address and more can all alter the final price.